The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,831
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,323
−HK$500/mo
Today · 4.125%
HK$16,823
baseline
▲ 0.50% · 4.625%
HK$17,847
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,646/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,612
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,084
−HK$479/mo
Today · 4.125%
HK$18,563
baseline
▲ 0.50% · 4.625%
HK$19,542
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,126/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,997
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,588
−HK$600/mo
Today · 4.125%
HK$20,188
baseline
▲ 0.50% · 4.625%
HK$21,417
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,376/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,134
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,701
−HK$575/mo
Today · 4.125%
HK$22,276
baseline
▲ 0.50% · 4.625%
HK$23,450
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,552/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,163
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,852
−HK$701/mo
Today · 4.125%
HK$23,553
baseline
▲ 0.50% · 4.625%
HK$24,986
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,106/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,656
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,317
−HK$671/mo
Today · 4.125%
HK$25,988
baseline
▲ 0.50% · 4.625%
HK$27,358
+HK$1,370/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,976/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,495
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,382
−HK$900/mo
Today · 4.125%
HK$30,282
baseline
▲ 0.50% · 4.625%
HK$32,125
+HK$1,843/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,564/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,701
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,551
−HK$862/mo
Today · 4.125%
HK$33,413
baseline
▲ 0.50% · 4.625%
HK$35,175
+HK$1,762/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,826/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,276 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).